Berkshire Bank Smart Business Rewards Card

The Berkshire Bank Smart Business Rewards Card is a business rewards card designed for small business owners who don’t mind applying in a branch. There’s a welcome offer and ongoing rewards in the two categories you spend the most money in each month. The welcome offer is generous, considering the amount of spend required. The rewards are good, but not great. This card is only available in Massachusetts, Connecticut, Vermont, New York, and Rhode Island. We dive into the details in this Berkshire Smart Business Card review.

Berkshire Bank Smart Business Rewards

Our Rating

4.0/5.0

Welcome Offer

Earn 20,000 bonus rewards points

Annual Fee

$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.

0% Intro on Purchases

N/a

Reward Rate

1x to 2x points

0% Intro on Balance Transfers

N/a

Welcome Offer

Earn 20,000 bonus rewards points ($200) when you spend $500 in the first 90 days of account opening.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance

Rewards

x points
On all other eligible purchases
Earn 1x point on all other eligible purchases
2x points
Select Categories
Earn 2x points per dollar in your top 2 spend categories each month, automatically

Interest Rates & Fees

Annual Fee$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees
Foreign Transaction FeeNone
Regular APR21.24% to 26.24% (V) APR

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • 2x points on your top two spend categories
Cons
  • Annual fee
  • High APR
  • Requires good credit
  • Geographically limited

What Are the Best Alternatives?

U.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Leverage® Visa Signature® Card

Rating

4.5

Rewards Range

1% to 5% cash back

Annual Fee

$0 intro annual fee the first year, $95 thereafter

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card

Rating

4.5

Rewards Range

1% - 5% Cash Back

Annual Fee

$0

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